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    My silver stack and why I'm moving heavy into 100oz bars

    Key Takeaways
    • Been seeing a lot of posts lately about silver stacking strategies and thought I'd throw my two cents in.
    • My portfolio is in the $800k range, and a good chunk of that is tied up in a Gold IRA, with a decent chunk of physical silver I’ve been accumulating.
    • My silver journey started with a bit of everything – Eagles, Maples, junk silver, you name it.
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    Been seeing a lot of posts lately about silver stacking strategies and thought I'd throw my two cents in. I'm a logistics guy out of Memphis, owned my company for 20 years, and I’m in the middle of a succession plan, which feels like a whole different kind of logistics problem, honestly. My portfolio is in the $800k range, and a good chunk of that is tied up in a Gold IRA, with a decent chunk of physical silver I’ve been accumulating.

    My silver journey started with a bit of everything – Eagles, Maples, junk silver, you name it. For a while, I was all about the small stuff, thinking it would be easier to liquidate if push came to shove. But over the last few years, especially with all the volatility and inflation fears, my strategy has shifted pretty hard. I've been selling off a lot of my smaller coins and 10oz bars to consolidate into 100oz bars. The premium difference is just too significant to ignore when you're buying at a certain scale.

    I know some folks here might disagree, arguing for the divisibility of smaller units. And I get that, I really do. But for my personal exit strategy for my business and considering my overall portfolio size, I'm thinking more about preserving wealth efficiently rather than making quick, small trades. We're talking about a significant portion of my non-IRA investments here. Plus, storage is also a factor – 100oz bars are just more efficient to deal with in bulk.

    Anyone else here made a similar shift, going from a diverse stack to more concentrated, larger units? Or am I missing something crucial in my thought process by focusing so much on the lower premiums of larger bars? Would love to hear other perspectives, especially from those who've been stacking for a long time or have experience liquidating larger amounts.

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    8 comments

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    Best Answer▲ 17 upvotes
    D
    david_brown💎Premium (500k-1m)
    Totally get the appeal of those big bars, especially with the premiums on smaller stuff these days. I've been eyeing some 10oz and 100oz for a while now, sitting on a good chunk of cash I'm looking to put to work. One thing that helped me visualize the real-world value over time was this interactive chart from Gainesville Coins on historical gold/silver ratios. It really puts into perspective how much upside silver could have relative to gold in a recovery, and helps me decide how much to allocate for big bars versus smaller, more liquid pieces.

    Comments (8)

    1
    margaret_chen🏆Advanced (250-500k)Real Investorabout 2 months ago

    Hey, I hear you on the 100oz bars. Started with smaller coins and rounds myself, but after a few years, I just got tired of the sheer volume. Switched over to mostly 100oz and even some Kilo bars for the bulk of my stack a while back. Less to count, less to store, feels more substantial. Good move!

    6
    patricia_miller📊Growing (50-100k)✓ Verifiedabout 2 months ago

    Interesting strategy with the 100oz bars. Is that purely for storage efficiency, or do you find the premiums are generally better on those compared to smaller denominations like 1oz rounds or 10oz bars?

    4
    david_brown💎Premium (500k-1m)Real Investorabout 2 months ago

    Interesting strategy, and I totally get the appeal of those big bars for storage and potentially lower premiums. But personally, I'm finding myself leaning the other way a bit, even for larger holdings. Smaller denominations just feel more liquid to me in a pinch, or if I ever want to sell off a portion without breaking up a huge chunk. Obviously depends on your goals!

    8
    ruth_perez📊Growing (50-100k)about 2 months ago

    Hey, interesting post! Love the dive into your "why." Since you're talking about moving heavier into 100oz bars and succession planning, have you looked into how this might fit into a Gold IRA? Physical precious metals can be held in an IRA, and it's a great way to diversify retirement savings.

    You might find this guide on moving physical gold into an IRA useful. It breaks down the process and what kind of metals are eligible. Could be a smart move for tax-advantaged growth as you transition out of your business!

    10
    paul_hill🏆Advanced (250-500k)Real Investor✓ Verifiedabout 2 months ago

    That's an interesting move. I've been mostly in gold, primarily because of the easier liquidity for larger sums. My Gold IRA is 90% in Eagles and Buffalos, but I do have a fair bit of physical silver as well. I used to pick up monster boxes of ASEs when spot was dirt cheap, and they've lived in a SDB ever since. Never really saw the point of 100oz bars beyond "more weight for less premium," but I guess if you're holding long-term for potential industrial demand it makes sense. I'm based in Salt Lake, and even during the 2008 panic, finding a buyer for a stack of 100oz bars wasn't as straightforward as moving a few 1oz gold coins, even at a local coin shop. Just something to consider for your exit strategy.

    8
    steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verifiedabout 2 months ago

    Good on ya for going big! I've been eyeing more silver myself, especially for diversification from my gold IRA. The premium on those 100oz bars is definitely attractive compared to smaller rounds. For my retirement savings, the precious metals aspect really shines with silver at these prices. My 401k rollover went mostly into gold, but I'm thinking about adding a chunk of physical silver outside that. The tax advantages of the gold IRA are great, but sometimes you just want to hold the real thing.

    4
    ruth_perez📊Growing (50-100k)about 2 months ago

    Interesting strategy. I dipped my toes into silver a few years back, mostly junk silver and some 1oz rounds. I was living in Albuquerque, and the local coin shop was pretty good, but their premiums on anything over 10oz were brutal. I kept looking at those 100oz bars, thinking about the lower premium per ounce, and eventually pulled the trigger on a couple through a reputable online dealer. Saved a decent chunk compared to buying locally, even with shipping. It really changed my perspective on diversifying beyond just gold in my IRA. That initial 50k Gold IRA I set up felt a lot more secure after adding some heftier silver bars to the mix outside of it.

    17
    david_brown💎Premium (500k-1m)Real Investorabout 2 months ago

    Totally get the appeal of those big bars, especially with the premiums on smaller stuff these days. I've been eyeing some 10oz and 100oz for a while now, sitting on a good chunk of cash I'm looking to put to work. One thing that helped me visualize the real-world value over time was this interactive chart from Gainesville Coins on historical gold/silver ratios. It really puts into perspective how much upside silver *could* have relative to gold in a recovery, and helps me decide how much to allocate for big bars versus smaller, more liquid pieces.

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